Definitely an estimate, I rarely supply a quote. Estimate states, prime subfloor, fix and grout the tiles supplied. Generally speaking I also supply materials at cost. In some ways I'm kicking myself for not making it crystal clear that I'd be charging for extras, but as neighbours and to some degree friends I figured they'd be happy to sort me out rather than pay someone else to come in.
Never figure that anyone will be happy to part with cash. A lesson learned. I always do a written quote even for family when carrying out work for them. Never had anyone not pay me what I invoiced them for. A lesson learnt!!!